and those aren't necessarily easy for immigrant workers to come by these days, especially if they're working off the books. however, at the end of the day, it wasn't competition that caused this hideous selloff from xoom. it was yolanda, the horrible, tragic super typhoon that slammed into asia. after the typhoon hit, seven different provinces in the philippines were not just a state of emergency, but national calamity. that's their term, not mine. and the government had to send in tanks just to maintain order. that's awful, but what's it got to do with xoom? everything. xoom gets about 35% of the revenues from the philippines. and this can disrupt their business. this has hurt the company. i think it'll take a couple of quarters before they can recover. i do like xoom's model, though. far more -- far from being concerned about money gram and western union, i think xoom is its own worst enemy. it's not diversified. getting about 70% of the business from three countries. the stock could be worth circling back for speculation, but not until the philippines recovers. i suggest you stay